Search found 188 matches

by snailderby
Wed May 15, 2019 2:14 pm
Forum: Personal Investments
Topic: Transferred from Wealthfront - Simplifying Investments
Replies: 5
Views: 491

Re: Transferred from Wealthfront - Simplifying Investments

Welcome to the forum!

At a minimum, I would wait long enough to avoid realizing short-term capital gains on any sales. If you decide to keep some or all of these ETFs:

[VOO + VXF] or [VV + VB] ≈ VTI or VTSAX or SCHB; and

[VEA + VWO] ≈ VXUS or VTIAX or [SCHF + SCHE + SCHC].
by snailderby
Wed May 15, 2019 12:28 pm
Forum: Personal Investments
Topic: How am I doing so far???
Replies: 15
Views: 1368

Re: How am I doing so far???

Welcome to the forum, jrthmas! What order should I start investing our new additional revenue? 401k, Roth, mortgage, other? Ask 10 people and you might get different answers, but https://www.bogleheads.org/wiki/Prioritizing_investments and https://mymoneywizard.com/correct-order-investments/ may be ...
by snailderby
Wed May 15, 2019 10:44 am
Forum: Personal Investments
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 200
Views: 9771

Re: What is your U.S./ex-U.S. stock allocation?

With 154 responses so far, the mean and the median is 30% ex-U.S. (with market weight counted as 50/50). Might be off by a point or two. Just curious if you calculated how many here have overweighted international relative to US based on the global market cap. From what I can see, it's only a handf...
by snailderby
Wed May 15, 2019 10:33 am
Forum: Personal Investments
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 200
Views: 9771

Re: What is your U.S./ex-U.S. stock allocation?

With 154 responses so far, the mean and the median is 30% ex-U.S. (with market weight counted as 50% ex-U.S.). Might be off by a point or two.

00%-09% - 19/154
10%-19% - 11/154
20%-29% - 41/154
30%-39% - 28/154
40%-49% - 15/154
50%++++ - 40/154
by snailderby
Mon May 13, 2019 4:13 pm
Forum: Personal Investments
Topic: Thoughts on Schwab
Replies: 37
Views: 3480

Re: Thoughts on Schwab

If you plan to use mutual funds instead of ETFs in a taxable account, many of Vanguard's mutual funds are more tax-efficient than their Fidelity or Schwab counterparts. See https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds#Vanguard_funds and https://www.bloomberg.com/graphics/2019-vanguard-mutua...
by snailderby
Wed May 08, 2019 3:12 pm
Forum: Personal Investments
Topic: Funds.
Replies: 26
Views: 2486

Re: Funds.

Welcome to the forum! Two questions: 1. What's your preferred stock-bond ratio? See https://www.bogleheads.org/wiki/Asset_allocation; https://investor.vanguard.com/investing/how-to-invest/investment-risk; and the chart at https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawa...
by snailderby
Thu May 02, 2019 10:14 am
Forum: Personal Investments
Topic: Fidelity's Total Bond Index Fund vs Vanguard Total Bond Index vs. Vanguard Intermediate Bond Index
Replies: 5
Views: 1014

Re: Fidelity's Total Bond Index Fund vs Vanguard Total Bond Index vs. Vanguard Intermediate Bond Index

Fidelity® U.S. Bond Index Fund ( FXNAX ) is the Fidelity equivalent of Vanguard Total Bond Market Index Fund Admiral Shares ( VBTLX ). I don't think Fidelity offers an index mutual fund that is the direct equivalent of Vanguard Intermediate-Term Bond Index Fund Admiral Shares ( VBILX ). There is Fid...
by snailderby
Thu May 02, 2019 10:04 am
Forum: Personal Investments
Topic: Bonds offered no protection
Replies: 38
Views: 3676

Re: Bonds offered no protection

Have you factored in reinvested dividends when you say that VBTLX lost you $16 over the last several years? See https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=2013&firstMonth=1&endYear=2019&lastMonth=12&calendarAligned=true&endDate=05%2F01%2F2019&initialAmount=1000...
by snailderby
Sat Mar 09, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: Tilting away from mega-cap
Replies: 11
Views: 1233

Re: Tilting away from mega-cap

I don't know what your definition of megacap, large cap, and mid cap is, but Vanguard's large cap fund (VV) = its megacap fund (MGC) + its midcap fund (VO). So the way Vanguard defines it, its midcap fund is its large cap fund minus megacaps.
by snailderby
Wed Mar 06, 2019 3:59 pm
Forum: Personal Investments
Topic: 3 Fund Portfolio [Portfolio assistance]
Replies: 7
Views: 1121

Re: 3 Fund Portfolio [Portfolio assistance]

I'm glad that you found the book helpful and that you were able to speak to someone at Vanguard! Your thoughts of adding vtabx into the 3 fund? If you run a search for "international bonds" in the search box in the top right, you'll find a number of threads on this topic, including https://www.bogle...
by snailderby
Wed Mar 06, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: a study "Retirees Could spend 7% More Per Year With a Simple Fix to Target Date Funds"
Replies: 33
Views: 4409

Re: a study "Retirees Could spend 7% More Per Year With a Simple Fix to Target Date Funds"

I did not have any objectives in mind when I posted the article. Just wanted to see what my fellow BHs think. Just in case it is not speculative market timing and well-founded data driven research. Here are three prior threads with >1680 combined posts that discuss the merits of tactical / rules-ba...
by snailderby
Tue Mar 05, 2019 6:41 pm
Forum: Personal Investments
Topic: What to do with an old 401K Rollover
Replies: 5
Views: 234

Re: What to do with an old 401K Rollover

Welcome to the forum, Blank0467! VTSAX and VBTLX are great choices. Have you also considered adding an international fund like VTIAX? A three-fund portfolio consisting of VTSAX (total U.S. stock) / VTIAX (total international stock) / VBTLX (total U.S. bond market) is probably the most commonly-recom...
by snailderby
Tue Mar 05, 2019 8:31 am
Forum: Personal Investments
Topic: Can you give me a basic rundown on choosing Roth IRA investments?
Replies: 23
Views: 1450

Re: Can you give me a basic rundown on choosing Roth IRA investments?

Also, what's the word on this? https://fundresearch.fidelity.com/mutual-funds/summary/316390806 DSDAX - Fidelity Select Defense and Aerospace Portfolio It does have a 0.76% expense ratio, but no transaction fee. I know that past growth is no indication or promise of future growth, but the 1 year, 3...
by snailderby
Mon Mar 04, 2019 6:15 pm
Forum: Personal Investments
Topic: Wells Fargo Vs. Vanguard Target Date Fund
Replies: 8
Views: 771

Re: Wells Fargo Vs. Vanguard Target Date Fund

Another question: Is the 97% turnover rate due to the October 2017 change in the underlying funds? Effective at the close of business October 27, 2017 the Wells Fargo Target Today CIT E3 series modified its investment strategy. The target date collective investment fund series follows a strategic as...
by snailderby
Mon Mar 04, 2019 5:31 pm
Forum: Personal Investments
Topic: Can you give me a basic rundown on choosing Roth IRA investments?
Replies: 23
Views: 1450

Re: Can you give me a basic rundown on choosing Roth IRA investments?

While we're talking about potential deviations from the total stock market approach, I should add that some posters on this forum like to overweight small-cap / value stocks. But not everyone endorses this approach; this is a common topic of debate on this forum. (Just run a search for "small cap va...
by snailderby
Mon Mar 04, 2019 5:16 pm
Forum: Personal Investments
Topic: Can you give me a basic rundown on choosing Roth IRA investments?
Replies: 23
Views: 1450

Re: Can you give me a basic rundown on choosing Roth IRA investments?

I was a bit puzzled about FZROX Fidelity ZEROSM Total Market Index Fund. It looks like a really new fund and a big chunk of it is companies like Apple, Microsoft, Amazon, Berkshire, Facebook, etc. Some of them haven't been doing too well lately, though I know that any fund can go up or down. No ER ...
by snailderby
Mon Mar 04, 2019 4:23 pm
Forum: Personal Investments
Topic: How to rebalance
Replies: 7
Views: 881

Re: How to rebalance

I mispoke my 401k is a total US fund which has small-mid and large cap. My international funds and bonds are solely in my taxable account and 401k. Here are the ratio to my total invested funds in all three of my accounts. 401K Total US Stock:58.52% Taxable Account Total International Fund 14.03% R...
by snailderby
Mon Mar 04, 2019 3:31 pm
Forum: Personal Investments
Topic: Can you give me a basic rundown on choosing Roth IRA investments?
Replies: 23
Views: 1450

Re: Can you give me a basic rundown on choosing Roth IRA investments?

Welcome to the forum, piano_man36! Alright, so buying into a Total Stock Market Index Fund seems simple enough. I guess figuring out which one is "best" and has the most potential, gets the best returns with the lowest fees (and of course many have no fees), has better future potential, etc., is hal...
by snailderby
Mon Mar 04, 2019 3:17 pm
Forum: Personal Investments
Topic: Portfolio review and investment guidance needed!
Replies: 14
Views: 921

Re: Portfolio review and investment guidance needed!

Welcome to the forum, tbini87! 1. Is my AA ok for my timeframe of being 31 years old now and looking at a possible retirement date around year 2050. I do not have access to very many low cost funds, and I know I am probably wayyyy heavy on large cap due to having so much in the SP500 fund, but that ...
by snailderby
Mon Mar 04, 2019 1:12 pm
Forum: Personal Investments
Topic: Wells Fargo Vs. Vanguard Target Date Fund
Replies: 8
Views: 771

Re: Wells Fargo Vs. Vanguard Target Date Fund

Welcome to the forum, Adam2413! Judging from https://www.wellsfargofunds.com/assets/edocs/fact-sheet/collective/wells-fargo-target-2055-cit-e3.pdf, there are more similarities than differences between the Wells Fargo 2055 target-date fund (TDF) and the Vanguard 2055 TDF. Both funds allocate 40% of t...
by snailderby
Fri Mar 01, 2019 10:25 am
Forum: Personal Investments
Topic: Comparing indexed funds to managed funds
Replies: 17
Views: 1497

Re: Comparing indexed funds to managed funds

Welcome to the forum, enso! :happy We recently met with someone at an investment firm and received this table comparing some of their managed fund products with corresponding publicly available indexed funds. I’m new here so if this topic/question is a not a mainstream Boglehead strategy, my apologi...
by snailderby
Fri Mar 01, 2019 10:00 am
Forum: Investing - Theory, News & General
Topic: Why does dividend investing not work?
Replies: 147
Views: 14162

Re: Why does dividend investing not work?

Welcome to the forum, Blendstar! There are several types of "dividend investors": 1. Some dividend investors believe that dividends are free money. This is not true, as willthrill81 (and others) pointed out. 2. Some dividend investors are stock pickers. They buy and hold individual dividend stocks. ...
by snailderby
Mon Feb 25, 2019 11:26 am
Forum: Personal Investments
Topic: 3 Fund Portfolio [Portfolio assistance]
Replies: 7
Views: 1121

Re: 3 Fund Portfolio [Portfolio assistance]

Welcome to the forum! ...Would like your thoughts, sold business , wife has new job, I will, where to invest money... 72% high six figure cash normal savings acct...cash is for retirement to invest in 3 fund? Suggestions how to go about starting this? Taxes? Getting the 3 fund book to read... The Bo...
by snailderby
Mon Feb 25, 2019 11:20 am
Forum: Personal Investments
Topic: Portfolio Checkup - 26 year old
Replies: 20
Views: 1498

Re: Portfolio Checkup - 26 year old

Your questions and ExitStageLeft overlapped so please see my response to his comment above. Thanks! ExitStageLeft's advice is great, and you can simply adjust the percentages that ExitStageLeft recommended if you would prefer to hold more or less international stocks. As for bonds, I'm stuck...to m...
by snailderby
Mon Feb 25, 2019 11:00 am
Forum: Personal Investments
Topic: Portfolio allocation
Replies: 3
Views: 382

Re: Portfolio allocation

What is a specific portfolio that you hold and have grown rather fond of being in? rafkg29, are you asking about stock/bond allocations, or are you looking for specific fund recommendations? See https://www.bogleheads.org/wiki/Asset_allocation and https://www.bogleheads.org/forum/viewtopic.php?t=19...
by snailderby
Mon Feb 25, 2019 10:49 am
Forum: Personal Investments
Topic: How to rebalance
Replies: 7
Views: 881

Re: How to rebalance

Welcome to the forum! Hello so I originally had an asset allocation of vanguard target retirement 2060 at 54% which is solely in my company 401k. I had 36% in vanguard total international stock market index and 10% in vanguard total bond index. I have my bonds and part of my international in my ira ...
by snailderby
Mon Feb 25, 2019 10:32 am
Forum: Personal Investments
Topic: Traditional or Roth TSP?
Replies: 4
Views: 388

Re: Traditional or Roth TSP?

I originally opted to go traditional on my tsp because it would get me down into the savers credit territory, but if more pay increases are coming to retain us, I suppose I might get phased out? Without tax credits, it seems like it might make more sense to go Roth since I should be in the 12% brac...
by snailderby
Mon Feb 25, 2019 10:13 am
Forum: Investing - Theory, News & General
Topic: Investing into Trucking industry
Replies: 6
Views: 812

Re: Investing into Trucking industry

Is it possible to invest in Trucking industry to generate some passive income monthly or quarterly etc? Is this possible ? Yes. Any references or pointers in this direction? Don't do it. If you invest only in one sector, you won't be as diversified as you would be if you invested in the broader mar...
by snailderby
Fri Feb 22, 2019 3:37 pm
Forum: Personal Investments
Topic: Portfolio Checkup - 26 year old
Replies: 20
Views: 1498

Re: Portfolio Checkup - 26 year old

You indicated in your original post that you didn't like the 40% international exposure in the Vanguard target-date fund. (1) What % of international stocks do you want? (2) And what is your preferred stock-bond allocation?
by snailderby
Fri Feb 22, 2019 2:30 pm
Forum: Personal Investments
Topic: Portfolio Checkup - 26 year old
Replies: 20
Views: 1498

Re: Portfolio Checkup - 26 year old

I'm only seeing two international funds in your 401(k) (not counting the global RWIGX fund):
  • American Funds Europacific Growth R6 - RERGX - 0.49% ER
  • T. Rowe Price International Discovery I - TIDDX - 1.07% ER
Is that correct, or is there another international fund that I missed?
by snailderby
Thu Feb 21, 2019 6:17 pm
Forum: Personal Investments
Topic: Employer 401K
Replies: 20
Views: 2966

Re: Employer 401K

Welcome to the forum! I’m going with 85% stock/15% bonds. Is this too aggressive for my age of 35? You should choose a stock-bond ratio based on how close you are to retirement, your tolerance for risk, and your income needs in retirement. Can you stomach a 20% drop in your portfolio’s value in one ...
by snailderby
Thu Feb 21, 2019 5:31 pm
Forum: Personal Investments
Topic: Portfolio Checkup - 26 year old
Replies: 20
Views: 1498

Re: Portfolio Checkup - 26 year old

Congratulations on nearly paying off all of your loans "at or above 6%"! I'll just comment on two points: I had some ups and down over the last year and a recent vacation that was a bit more than expected...hence the $7k in CC debt. Do you have to pay interest on that credit card debt, and if so, at...
by snailderby
Thu Feb 21, 2019 2:43 pm
Forum: Investing - Theory, News & General
Topic: Target Date funds are hazardous to your wealth
Replies: 59
Views: 8043

Re: Target Date funds are hazardous to your wealth

The article itself isn't terribly meaty, and many of its links only link to similarly fluffy pop-finance articles. However, there was a link to a Javier Estrada paper, and I've generally found those to be well worth reading. https://web.iese.edu/jestrada/PDF/Research/Refereed/Glidepath.pdf It's cou...
by snailderby
Thu Feb 21, 2019 2:25 pm
Forum: Personal Investments
Topic: Vanguard ETF fees
Replies: 9
Views: 741

Re: Vanguard ETF fees

Welcome to the forum! Hello, I am interested in some of the Vanguard ETF's. The funds that I was looking into are the BIV, BND, VCIT, VYM, MGK, VOO, VTI, VOT, VBK, VCR, VHT and VGT. And if anyone has any thoughts on these funds, I would appreciate any input on them and also what are the fee's are li...
by snailderby
Thu Feb 21, 2019 11:27 am
Forum: Personal Investments
Topic: Fidelity which small cap fund?
Replies: 3
Views: 328

Re: Fidelity which small cap fund?

You can insert the standard disclaimer here about past performance, but I'm a fan of both IJR and IJS, mainly because the S&P 500, 400, and 600 indexes incorporate a basic "financial viability" screen that helps screen out some "junk-y" small companies. See https://us.spindices.com/documents/methodo...
by snailderby
Thu Feb 21, 2019 10:58 am
Forum: Personal Investments
Topic: Getting into investing and what stocks to buy
Replies: 61
Views: 2925

Re: Getting into investing and what stocks to buy

Welcome to the forum! Last question. So as of right now this very second VTI cost $142.65. Are you able to put more money into VTI or once you buy one VTI you are set? I guess I am thinking of it too much like an individual stock. I do understand the concept that if I purchase a VTI, I have a fracti...
by snailderby
Thu Feb 21, 2019 10:49 am
Forum: Non-US Investing
Topic: Options for College Saving- Texas Resident-Non US citizen
Replies: 6
Views: 408

Re: Options for College Saving- Texas Resident-Non US citizen

Welcome to the forum!

How long do you plan to stay in the United States, and will your kids most likely attend college in India or in another foreign country?
by snailderby
Thu Feb 21, 2019 10:34 am
Forum: Personal Investments
Topic: note of thanks, new money in 2 fund portfolio
Replies: 4
Views: 617

Re: note of thanks, new money in 2 fund portfolio

I love the simplicity! This recent article (https://www.marketwatch.com/story/targe ... 2019-02-20) also speaks highly of 50/50 balanced funds.
by snailderby
Thu Feb 21, 2019 10:31 am
Forum: Personal Investments
Topic: What IRA/401(k) options are available to me?
Replies: 3
Views: 203

Re: What IRA/401(k) options are available to me?

Are you asking what plan / account you should invest in, or what funds you should select within a specific plan / account?
by snailderby
Thu Feb 21, 2019 10:26 am
Forum: Personal Investments
Topic: New here and interested in learning
Replies: 8
Views: 398

Re: New here and interested in learning

Welcome to the forum! In the mean time, I'm interested in any advise on index funds. What would be good for long term savings? What's a good way to diversify my Roth IRA so that it has US stocks, International stocks, and bonds? An easy way to diversify your Roth IRA "so that it has US stocks, Inter...
by snailderby
Wed Feb 20, 2019 8:54 am
Forum: Personal Investments
Topic: How do you handle Three-Fund Purchases without Partial Shares?
Replies: 17
Views: 913

Re: How do you handle Three-Fund Purchases without Partial Shares?

Welcome to the forum! Vanguard lowered the investment minimums for many admiral share classes, so the new recommendations are: VTSAX VTIAX VBTLX Or you can check out M1 Finance if you want to to buy fractional shares of ETFs. If you're young and will be investing for another 40 years, a Roth IRA can...
by snailderby
Mon Feb 18, 2019 8:21 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity and Schwab Expand Commission Free ETF list]
Replies: 42
Views: 3194

Re: Fidelity Expands Commission Free ETF list to over 500

Here is the Schwab list . Nothing too exciting, except for more Treasury fund coverage. It looks like the list specifically excludes funds that would compete with Schwab’s own ETFs, so no ITOT, IJR, IDEV, IEMG, etc. Actually, I reckon I overlooked the SPDR Portfolio additions. They compete directly...
by snailderby
Mon Feb 18, 2019 6:20 pm
Forum: Personal Investments
Topic: Breaking BND up for tax efficiency
Replies: 8
Views: 638

Re: Breaking BND up for tax efficiency

M1 Finance is one option if you already use ETFs, and you want to take some of the work out of the rebalancing. Or you could just go 100% treasuries and make things even simpler... :happy See viewtopic.php?t=255320.
by snailderby
Mon Feb 18, 2019 3:49 pm
Forum: Personal Investments
Topic: 401k fees
Replies: 5
Views: 262

Re: 401k fees

Let's say you start with $0 and contribute $100 every month. After 40 years, assuming a 5% return, you would have $145K. Alternatively, let's say your employer also contributes $100 a month but charges a 1% fee. After 40 years, assuming a 4% return, you would have $228K. This is a rough example, but...
by snailderby
Mon Feb 18, 2019 3:43 pm
Forum: Personal Investments
Topic: 401k fees
Replies: 5
Views: 262

Re: 401k fees

I would still take advantage of the employer match, even with a 0.84% fee.
by snailderby
Mon Feb 18, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity and Schwab Expand Commission Free ETF list]
Replies: 42
Views: 3194

Re: Fidelity Expands Commission Free ETF list to over 500

Here is the Schwab list . Nothing too exciting, except for more Treasury fund coverage. It looks like the list specifically excludes funds that would compete with Schwab’s own ETFs, so no ITOT, IJR, IDEV, IEMG, etc. Actually, I reckon I overlooked the SPDR Portfolio additions. They compete directly...
by snailderby
Mon Feb 18, 2019 11:47 am
Forum: Personal Investments
Topic: Tilting AA into more stocks
Replies: 20
Views: 1290

Re: Tilting AA into more stocks

If you value the simplicity of a target-date fund but would prefer a higher stock allocation, harvestbook's suggestion is a great one. If you would rather manage your own portfolio... Actually, I would prefer a total U.S. stock market fund to an S&P 500 fund and a total international fund to a devel...
by snailderby
Sun Feb 17, 2019 11:17 pm
Forum: Personal Investments
Topic: Tilting AA into more stocks
Replies: 20
Views: 1290

Re: Tilting AA into more stocks

Side question 2: Could you recommend a portfolio at Fidelity that would be similar - including ERs - to the following one at Vanguard? (I asked person who has suggested it in a comment to someone's question some time ago, but have not heard back, hence another attempt, before posting it as a separa...